Business Insurance

NJ Commercial Insurance | NJ Business Insurance | Bogle Agency Insurance

NJ Commercial Insurance | NJ Business Insurance | Bogle Agency

Bogle Agency Insurance has served businesses throughout New Jersey for more than 90 years. Today, we are looking forward to the next 90 years and beyond by offering exceptional quality NJ commercial insurance & business insurance products at rates that are built to impress.

We understand that picking the perfect combination of NJ commercial insurance products can seem like quite the challenge. There is no one size fits all businesses solution when it comes to insurance. Just as each business in the state of New Jersey has something unique to offer customers, you also have unique commercial insurance needs to consider as well.

That’s why it’s so important to work closely with an independent insurance agent to make sure that nothing slips through the cracks leaving your business exposed and vulnerable, or underinsured when disasters strike.

To help avoid this situation, Bogle Agency Insurance offers standard NJ commercial insurance & business insurance coverages that includes:

  • General Liability Insurance
  • Commercial Property Insurance
  • Commercial Vehicles Insurance
  • Excess Liability or Umbrella Insurance
  • Group Benefits
  • Workers’ Compensation Insurance

Once you have the basics for your business covered, we can help you iron out details that may include many of the following types of policies, depending on the industry you serve.

  • Apartments Insurance
  • Bonds
  • Business Owner’s Policy (BOP)
  • Condominium Association Insurance
  • Contractors Insurance
  • Directors and Officers Liability (D&O)
  • Errors and Omissions Coverage (E&O)
  • Employment Practices Liability Insurance (EPLI)
  • Non-Profit Insurance
  • Professional Liability Insurance
  • Property Management Insurance
  • Restaurant Insurance
  • And more.

It takes so much to build a business these days. Blood, sweat, tears, and no small amount of money. Don’t risk the investment you’ve poured into building your company, large or small, needlessly by failing to invest in adequate insurance coverage for your business needs.

How Much Coverage is Enough?

Business insurance needs vary a great deal from one business to the next. The decision about how much is enough coverage is one you should make in conjunction with one of our highly qualified agents and based on your comfort level with risk.

Business ownership in today’s market is a risk by itself. You don’t want to take unnecessary risks, though, by failing to get a policy that will help keep your business afloat until you’re fully back in business in the aftermath of a disaster.

With that in mind, don’t forget coverages like:

  • Equipment Breakdown Coverage
  • Business Interruption Insurance
  • Electronic Data Loss Insurance
  • Data Breach Coverage

These coverages, in addition to the other types of insurance coverages mentioned, should provide ample protection for your business if you work with our agents to determine a palatable coverage amount.

Assessing the State of Your Business Insurance Coverage

Another thing to remember when it comes to business insurance in New Jersey is that the needs of businesses change and evolve over time. With that in mind, it’s important to assess your insurance situation yearly to make sure you’re adequately covered not only for the financial risks disasters pose, but also the potential liabilities if someone is injured on your property.

Bogle Agency Insurance is thrilled to go over your current insurance policy to help you determine if changes are needed or if your current insurance coverage should take your business through the next year with sufficient protection from disastrous events.

Keeping Up With Code Changes

The constant evolution of building codes and standards in the state of New Jersey, is another consideration when purchasing insurance for your business. This means that even if a small part of your business is damaged by fire, lightning, or even vandals, you may have to replace your entire electrical system or make other costly changes just to get your business to a point where it can once again pass code.

Make sure you discuss this with your agent as you purchase insurance for your business so that you can buy with confidence that major contingencies like this are handled when the time comes.

Call Bogle Agency Insurance today at (201) 939-1076 to learn about your business insurance options and to see if your current coverage is adequate for your constantly growing and changing coverage needs. Our agents can help you make educated and informed decisions about your business insurance needs today and as your business grows.